Auto insurance to help protect you

When you drive with Uber, we maintain auto insurance on your behalf. Leading auto insurance providers help protect you and your riders in the event of a covered accident.

Your safety drives us

Your personal insurance might not apply to incidents while driving with Uber, which is where we step in.

Insurance for rideshare drivers with Uber

Offline or the Driver app is off

Your chosen personal insurance company and coverages apply

Available or waiting for a ride request

Uber maintains the following auto insurance on your behalf in case of a covered accident:

Third-party liability if your personal auto insurance doesn’t apply¹

$50,000 in bodily injury per person

$100,000 in bodily injury per accident

$25,000 in property damage per accident

En route to pick up riders and during trips

Uber maintains the following auto insurance on your behalf in case of a covered accident:

$1,000,000 third-party liability

Uninsured/underinsured motorist bodily injury²

Contingent comprehensive and collision³

Up to actual cash value of car ($1,000 deductible)

Terms to know

Third-party liability insurance

Insurance for bodily injury and property damage caused to a third party and arising from a covered accident. A third party is someone or something other than yourself or your vehicle.

Uninsured/underinsured motorist bodily injury insurance

Insurance for injuries to you and your riders if a covered accident occurs during an Uber trip and another driver is at fault and doesn’t have sufficient insurance. This insurance also may apply in the case of a hit and run.

Contingent collision and comprehensive insurance

As long as you maintain comprehensive and collision coverage on your personal auto insurance, Uber maintains insurance on your behalf that will kick in to provide protection for physical damage to your car up to its actual cash value, regardless of who is at fault. There is a $1,000 deductible that you must pay first before this coverage applies.

If you’re ever in a crash

Step 1

Check that you, your rider, and other parties are safe.

Step 2

Call 911 if necessary.

Step 3

Contact Support in the app by going to Help, then Trip Issues and Adjustments, and I was in an accident. You can also submit a crash report here.

Beyond what Uber maintains on your behalf

Optional Injury Protection

Benefits include disability payments, no deductible on medical expenses, and survivor benefits. Offered through Aon, this program gives you the option of extending coverage to minimize the impact an accident could have on you and your family.

For commercial partners

As a commercial driver such as a licensed private-hire vehicle, black car, or limo, you must be insured to drive commercially with Uber. To provide riders with at least the same level of protection as on trips with non-commercial drivers, we may maintain insurance above your commercial insurance, when necessary.

Top questions from drivers

Do I need rideshare insurance?Plus

Does the insurance that Uber maintains on behalf of drivers cover regular maintenance on my car?Plus

If I’m in an accident, will Uber’s insurance cover a rental car for me? Plus

What’s my coverage if I’m at fault for an accident while driving with Uber?Plus

What’s covered if someone else is at fault for the accident?Plus

How are property damage and bodily injury defined?Plus

What do I do in the event of an accident?Plus

What about commercially licensed and insured drivers?Plus

Certificate of Insurance

A Certificate of Insurance provides important information about the coverage that Uber maintains on your behalf. You can find your Certificate of Insurance in the Driver app by tapping Account in the app menu, then Insurance, and tap on a coverage. You can also download it by tapping below.

Accident claims

If you are involved in an accident while driving with Uber, the easiest way to report a crash is through the app. To get back on the road faster, we suggest taking photos of damage to your vehicle and other vehicles involved, as well as obtaining the insurance information of other drivers involved.

¹We maintain automobile liability insurance on your behalf if you do not maintain applicable insurance of at least this amount.

²Uninsured/underinsured motorist bodily injury limits vary by state.

³May apply to damage to your vehicle as long as you have personal insurance that includes comprehensive and collision coverage for that vehicle to cover you while you’re not using the Driver app.

Note: Additional coverage will be provided where required by state and local laws. At least this much auto insurance is maintained in all US states for drivers while operating personal vehicles under the transportation network company model on the Driver app.